| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION STE 700 DENVER, CO 80237 | COMMUNITY INSURANCE COMPANY | $16K | — | $16K | 1.08% |
| THE JAMES B OSWALD COMPANY3 | 1360 E 9TH ST #600 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $13K | $2K | $15K | 1.05% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY | $13K | $10K | $24K | 9.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | GUARDIAN LIFE INSURANCE COMPANY | $13K | — | $13K | 5.51% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 211 | $1.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 181 | $239K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 181 | $239K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 181 | $239K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 181 | $239K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 181 | $239K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 181 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.